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52

Morgan Stanley Blue Cash Preferred® American Express Card

American Express National Bank

Top-25 issuerNationalVariable · PrimeCredit score 720+
Issuer site ↗
Purchase APR
19.49–29.24%
Annual fee
$95
0% intro
12 mo
0% transfer
12 mo
Foreign fee
2.7%
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
28.99%
≤619
—
620–719
28.99%
720+
24.99%
Lowest offered19.49%
Median26.74%
Highest offered29.24%

Introductory purchase APR

Promotional window: 12 months

The intro rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Balance transfer APR

Promotional window: 12 months

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered28.74%
Median29.24%
Highest offered29.49%

Every fee on this card

Annual fee$95
Balance transfer fee3% (min $5)
Cash advance fee5% (min $10)
Foreign transaction fee2.7%
Purchase transaction feeNone
Late fee$29
Repeat late fee (6 mo)$40
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment$29
Plan FeeA monthly fee up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.

Rewards, benefits and features

Rewards
  • Cashback rewards
Services
  • Access to Free Credit Scores
  • Automobile rental insurance
  • Discounts on purchases of goods and services (non travel related)
  • Extension on manufacturer’s warranty
  • Other
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (3%)$150
Promo interest at 0.00%$0
You save$450

Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 26.74% afterwards.

Cost to carry a balance
Interest for a year at 26.74%$802.20
Annual / periodic fees$95
Total yearly cost$897.20

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

25 documents filed by American Express National Bank in the 2026 Q1 archive.

All 25 agreements

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